Just had another 5 inquiries removed from TU, NO other changes and score dropped 50 points, from 730 to 680. I finally have come to the conclusion that we all need to realize the the CE and TU scores are for amusement purposes only. There is no rational way to reconcile these numbers. They weigh factors with no real thought process. My number one reason for a lower score on TU now is "too many accounts." My wife with two negs has a better score than me. I have about 150k in revolving credit, with 90+% available... oh well. My new vow is to concentrate only on the information in the reports and ignore the score. No one else, including lenders is ever going to see these nonsense scores. Memo to CE and TU "Give me a fico score or don't give me anything."
It's really fun to be DENIED credit because~~~ONE REASON~~~EXCESSIVE CREDIT LIMITS (NOT A F.I.C.O. CODE)...
no. real scores use ratios on revolving and the ratios are fine. The real answer is exactly as simply put as in the first post. TU and CE scores are NOT REAL. So when we get excited or upset about the "scores" we get, we're wasting out time. they are for our amusement only.
